We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Account removal from Credit File
d_rok69
Posts: 63 Forumite
I have viewed my account and there is a record on there that isn't mine.
It is a similar name a different DOB and address. I have contacted the company (JD Williams) and they have said it is mine and i need to pay the bill. Im refusing to pay as its nothing to do with me but the account is about to go into default and this will show on my credit record.
I have contacted the credit reference agency for advice but they just tell me to talk to the company so i feel like im stuck in a vicious circle.
Does anyone have any advice?
It is a similar name a different DOB and address. I have contacted the company (JD Williams) and they have said it is mine and i need to pay the bill. Im refusing to pay as its nothing to do with me but the account is about to go into default and this will show on my credit record.
I have contacted the credit reference agency for advice but they just tell me to talk to the company so i feel like im stuck in a vicious circle.
Does anyone have any advice?
0
Comments
-
Send a Prove It letter the the collection company but make it clear you are not acknowledging the debt
https://www.nationaldebtline.org/EW/sampleletters/Pages/Complaining-to-debt-collection-agencies-that-you-do-not-owe-the-debt-%28sole-name%29.aspx0 -
Its not with a collection agency at the moment but will be soon if i dont pay0
-
Written complaint to JD Williams, outline the facts, its not your account.
If they reject your complaint, escalate it to the ICO.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »Written complaint to JD Williams, outline the facts, its not your account.
If they reject your complaint, escalate it to the ICO.
That ^^^ but, also make it clear that you will take the complaint to the FOS as well, and that you require a final response form Very.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.2K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards